A curable aqueous composition that includes a first polymer that includes carboxyl groups, and a second component that includes a second water insoluble polymer and a stabilizer. The second component includes functional groups that react with the carboxyl groups of the first polymer during cure, is free from carboxylic acid groups, or a combination thereof. The composition, when dry, exhibits a first Tg of at least 10° C. and a second Tg of at least 50° C.